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Cost-Sharing Bill Would Spread Natural Disaster Losses Across Unaffected States
The Natural Disaster Risk Reinsurance Program proposes states voluntarily purchase bonds to support insurers after disasters.
|October 30, 2024
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No Rate Hike for Texas Windstorm Insurer, State Insurance Regulator Decides
The move staves off higher rates for now, but questions loom about last-resort insurer’s ability to pay claims going forward.
|October 30, 2024
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What Is Owner’s Title Insurance, and Do You Need It?
Owner’s title insurance protects you from financial losses if anyone files a claim against your property’s title. It’s not mandatory, but it can keep you from losing your investment in your home.
|October 29, 2024
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How Wind Mitigation Can Help You Save on Home Insurance Premiums
Wind mitigation can save you up to 55% on your homeowners insurance policy.
|October 28, 2024
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What to Know About Liquor Liability for Social Gatherings at Your Home
Liquor liability means you could be responsible if a guest drinks at your party and causes harm. For homeowners, this often falls under social host liability.
|October 24, 2024
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Sewer Line Coverage and Home Insurance: What You Need to Know
Sewer line coverage doesn’t cost much and can help protect you financially if your sewer line is damaged.
|October 24, 2024
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Severe Flood Risk Threatens Over One-Third of Global Population, Report Finds
Moody’s reports more than 2.5 billion people are at risk of 10 centimeters of flooding in a 100-year period.
|October 23, 2024
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The Zebra Home Insurance Review: Consumer Reviews, Quotes (2025)
The Zebra is a trustworthy insurance-comparison site, though some users expressed frustration with the home insurance comparison process.
|October 23, 2024
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Thousands of US Communities Forgo Federal Flood Insurance
Passing on the voluntary National Flood Insurance Program means residents face escalating risks without a federal safety net for flood damages.
|October 23, 2024
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What Is Sewer Backup Insurance?
Sewer backup insurance is a useful insurance rider for homeowners looking to protect against water backups.
|October 21, 2024
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Is Homeowners Insurance Included in Your Mortgage?
Mortgage lenders typically include your home insurance premium in the escrow portion of your monthly mortgage payment.
|October 18, 2024
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Hawaii Hurricane Insurance: What to Know
Hurricane insurance protects Hawaii homeowners from losses due to wind damage from a hurricane.
|October 18, 2024
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Hurricane Preparedness List for Homeowners
Here’s what to do before, during, and after a storm to keep your home, family, and finances safe.
|October 17, 2024
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US Hit With 20 Billion-Dollar Climate Disasters So Far in 2024
The annual average number of severe weather events is increasing. Severe storms, winter storms, a tropical cyclone, and a wildfire comprise the year’s current tally of weather disasters with losses of $1 billion or more.
|October 16, 2024
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Actual Cash Value vs. Replacement Cost in Home Insurance
Replacement cost offers full coverage for repairs or replacements, while actual cash value offers lower premiums but factors in depreciation.
|October 15, 2024
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What to Do If Your Home Insurance Claim Is Denied
You can file an appeal and increase your chances of a home insurance claim approval.
|October 15, 2024
Homeowners Insurance Inspection: How It Works and What to Expect
Your insurance company conducts a home inspection to assess your home’s risk, which can influence your policy’s cost.
|October 11, 2024
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Does Homeowners Insurance Cover Tree Removal?
Home insurance covers tree removal if there’s damage to your property. But it won’t cover preventative tree removal or removing damaged trees.
|October 11, 2024